Utah Car Insurance Laws

Learn how much property and bodily liability insurance is required to operate a motorized vehicle in Utah. Discover if you have proper coverage and if not what the penalties and fines are for continuing to drive without the minimum insurance coverage...Learn how much property and bodily liability insurance is required to operate a motorized vehicle in Utah. Discover if you have proper coverage and if not what the penalties and fines are for continuing to drive without the minimum insurance coverage in UT. You can also find the necessary contact info for the Utah department of insurance, how to file a complaint and how to contact the consumer hotline.read more

State Regulation

In Utah, drivers are required to carry minimum coverage. Most insurance experts would recommend the law be your starting point - it is wise to get coverage that far exceeds state standards. Remember that if you only have $25,000 in coverage for bodily injury, you could be liable for significantly more than that. Be sure to consider your safety and financial security when selecting options for your insurance policy. In Utah, the minimum standards include: - At least $25,000 per person and $65,000 pr accident for bodily injury coverage. - At least $15,000 per accident for property damage coverage.

Utah is a "no fault" state, which means you're required to carry Personal Injury Protection. With this, your insurance carrier will pay medical bills up to your policy's limit for injuries incurred in an accident - no matter who is at fault. In Utah, you must have at least $3,000 in Personal Injury coverage. Again, experts recommend that this amount be significantly higher in your actual policy.

You must carry proof of insurance in your vehicle at all times. The state of Utah maintains a database that monitors registration and insurance coverage. If the database recognizes that a registered vehicle does not have corresponding auto insurance, a letter will be sent to the owner. Penalties for failing to comply with state auto regulations can range from $400 to $1,000 as well as a suspended license.

Insurance is NOT required on:

Off-highway vehicles

Non-registered nonoperational vehicles

Penalties:

In the state of Utah failure to carry auto insurance can result in the suspension of your vehicle's registration and you can be fined starting at $400. Upon conviction,, your driver's license will be suspended.

The state of Utah maintains a database that monitors registration and insurance coverage. If the database recognizes that a registered vehicle does not have corresponding auto insurance, a letter will be sent to the owner.

Penalties for failing to comply with state auto regulations can range from $400 to $1,000 as well as a suspended license.

Not only will offenders be fined at least $400 for the first violation, but failing to insure a vehicle is a Class B misdemeanor that will be prosecuted in the courts, and offenders may lose their driving privileges.

Requirements Regarding Proof of Insurance: Proof Required - If Involved In An Accident, If Stopped By Authorities When Driving